Purchase Originations
201
Median Total Costs
$7,697
+15.2% vs national ($6,680)
↓ $321 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.365% vs prior year
Median Origination
$2,989
Median Lender Credits
$685
Denial Rate
6.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 149 | 6.625% | $6,793 | $3,438 |
| fha | 40 | 6.500% | $8,911 | $1,993 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Georgia | 68 | 6.375% | $11,133 | #174 |
| Ohio | 61 | 6.750% | $4,321 | #169 |
| Pennsylvania | 34 | 6.750% | $6,693 | — |
| Texas | 10 | 6.688% | $7,082 | — |
| Arizona | 5 | 6.750% | $9,720 | — |
| Illinois | 5 | 7.000% | $15,828 | — |
| Florida | 3 | 6.500% | $7,214 | — |
| Virginia | 3 | 6.500% | $8,372 | — |
| Louisiana | 2 | 7.058% | $5,157 | — |
| Idaho | 1 | 6.500% | $16,688 | — |
| Indiana | 1 | 6.375% | $5,043 | — |
| Kentucky | 1 | 6.250% | $6,740 | — |
| Massachusetts | 1 | 6.875% | $5,660 | — |
| Maryland | 1 | 7.250% | $15,606 | — |
| Michigan | 1 | 6.750% | $6,196 | — |
| Missouri | 1 | 6.625% | $11,934 | — |
| North Carolina | 1 | 6.625% | $6,298 | — |
| South Carolina | 1 | 5.990% | $3,220 | — |
| Tennessee | 1 | 6.625% | $7,900 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,808 | 6.875% | — | 6 | −$3,889 | |
| 2 | $3,812 | 6.312% | — | 2 | −$3,885 | |
| 3 | $4,171 | 6.875% | — | 37 | −$3,526 | |
| 4 | $4,396 | 6.625% | — | 8 | −$3,301 | |
| 5 | $4,458 | 6.625% | — | 2 | −$3,239 | |
| 6 | $5,453 | 6.750% | — | 17 | −$2,244 | |
| 7 | $5,574 | 6.500% | — | 2 | −$2,123 | |
| 8 | $5,709 | 6.438% | — | 2 | −$1,988 | |
| 9 | $6,001 | 6.240% | — | 2 | −$1,696 | |
| 10 | $6,539 | 6.750% | — | 9 | −$1,158 | |
| 11 | $8,306 | 6.125% | — | 4 | +$609 | |
| 12 | $8,510 | 6.312% | — | 2 | +$813 | |
| 13 | $9,366 | 6.620% | — | 2 | +$1,669 | |
| 14 | $10,141 | 6.188% | — | 6 | +$2,444 | |
| 15 | $10,203 | 6.812% | — | 4 | +$2,506 | |
| 16 | $10,705 | 6.375% | — | 15 | +$3,008 | |
| 17 | $11,713 | 6.250% | — | 11 | +$4,016 | |
| 18 | $12,140 | 6.375% | — | 28 | +$4,443 | |
| 19 | $15,241 | 6.875% | — | 4 | +$7,544 | |
| 20 | $16,683 | 7.000% | — | 3 | +$8,986 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | United Trust Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $265,000 | $335,000 | −$70,000 (−20.9%) |
| Median total closing costs | $7,697 | $7,127 | +$570 (+8.0%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.